2016 Kia Rio Insurance Quotes – 8 Tips to Save

Finding cheaper insurance for a Kia Rio can turn out to be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to shop for insurance coverage and we’ll show you the quickest way to quote coverages for a Kia and get the lowest possible price from both online companies and local agents.

Get cheap insurance quotes with discounts

Insurance is neither fun to buy or cheap, but you may find discounts to help offset the cost. Some discounts apply automatically when you purchase, but a few need to be asked about before you will receive the discount.

  • 55 and Retired – Drivers that qualify as senior citizens can get reduced rates on Rio coverage.
  • Good Student – Getting good grades may save as much as 25% on a car insurance quote. Many companies even apply the discount to college students up to age 25.
  • Include Life Insurance and Save – Some insurance companies give a discounted premium rate on car insurance if you buy a life insurance policy as well.
  • Discounts for Federal Employees – Simply working for the federal government can earn a discount up to 10% on Rio coverage with some insurance companies.
  • Multi-policy Discount – When you combine your homeowners and auto insurance and place coverage with the same company you could get a discount of nearly 15% which can help you find low cost car insurance.
  • Military Discounts – Having a deployed family member can result in better rates.
  • Memberships – Having an affiliation with qualifying clubs or civic groups can get you a small discount on your next renewal.
  • ABS and Traction Control Discounts – Vehicles with ABS and/or traction control can avoid accidents and earn discounts up to 10%.

Drivers should understand that some of the credits will not apply to the entire cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, you’re out of luck.

A list of insurance companies and some of the discounts can be read below.

  • American Family offers premium reductions for early bird, good student, air bags, Steer into Savings, good driver, accident-free, and TimeAway discount.
  • State Farm discounts include Drive Safe & Save, Steer Clear safe driver discount, multiple policy, passive restraint, student away at school, good student, and accident-free.
  • 21st Century offers discounts for 55 and older, teen driver, driver training, theft prevention, student driver, early bird, and defensive driver.
  • Travelers may have discounts that include save driver, student away at school, early quote, good student, multi-car, home ownership, and IntelliDrive.
  • GEICO has savings for anti-theft, multi-policy, military active duty, five-year accident-free, seat belt use, emergency military deployment, and federal employee.

When getting free car insurance quotes, it’s a good idea to every insurance company the best way to save money. Some discounts listed above might not be offered on policies in your area. To see a list of providers offering insurance discounts, click this link.

Well known brands might not be cheapest

Consumers constantly see and hear ads that promise big savings for switching by State Farm and Allstate. All the companies seem to make the promise that drivers will save a bundle if you switch your policy.

Is it even possible that every company can make almost identical claims? It’s all in the words they use.

Car insurance companies quote the lowest rates for the right customer that will be a good risk. For instance, a profitable risk profile may need to be between the ages of 30 and 50, has had continuous coverage, and does not commute to work. A driver that fits those parameters will get low prices and as a result will probably cut their rates if they switch.

Insureds who are not a match for these standards must pay a higher rate with the end result being business not being written. The ads state “people who switch” not “all people who quote” save the amount stated. This is how companies can truthfully make those statements.

Because every company is different, drivers should compare as many free car insurance quotes as you can. It is impossible to predict which car insurance company will be your best fit.

Tailor your car insurance coverage to you

When buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine whether your personal situation could use an agent’s help.

  • Am I covered if I hit a deer?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I need special endorsements for business use of my vehicle?
  • Does my 2016 Kia Rio qualify for pleasure use?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I need PIP coverage since I have good health insurance?
  • When do I need to add a new car to my policy?
  • Does having multiple vehicles earn me a discount?
  • What if I owe more than I can insure my car for?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Car insurance specifics

Learning about specific coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Kia Rio.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense insurance

Med pay and PIP coverage pay for bills for ambulance fees, EMT expenses, rehabilitation expenses, hospital visits and nursing services. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance

Liability coverage will cover damage that occurs to other’s property or people. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things like pain and suffering, bail bonds, medical services and legal defense fees. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, falling objects and hail damage. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, hitting a parking meter, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Power to the consumer

We just showed you many ways to reduce 2016 Kia Rio insurance premium rates online. The key thing to remember is the more times you quote, the better chance you’ll have of finding low cost car insurance. Drivers may discover the most savings is with the least-expected company.

Drivers switch companies for any number of reasons including policy cancellation, being labeled a high risk driver, an unsatisfactory settlement offer and even delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

As you shop your coverage around, do not buy poor coverage just to save money. There are a lot of situations where an accident victim reduced physical damage coverage and learned later that it was a big error on their part. Your strategy should be to buy enough coverage for the lowest cost, but do not skimp to save money.

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